sign up log in
Want to go ad-free? Find out how, here.

NIMs

big vs small
Small margins on a big base. Why it is hard for small banks to win market share
To understand bank profitability, it helps to understand the net interest margin. Banks are commodity businesses and small margin movements make a big difference. Big is always better in any commodity business
by David Chaston
1
To understand bank profitability, it helps to understand the net interest margin. Banks are commodity businesses and small margin movements make a big difference. Big is always better in any commodity business
Who is hurt when banks don't pass on OCR cuts?
It is not home owners who suffer when banks divert OCR cuts to protect their profit margins, it is small business and farmers who pay the costs. We describe bank funding motivations
by David Chaston
26
It is not home owners who suffer when banks divert OCR cuts to protect their profit margins, it is small business and farmers who pay the costs. We describe bank funding motivations